48640 ZIP Code — Midland, MI
Midland County, Michigan
ZIP code 48640 is located in Midland, Michigan, within Midland County. It covers approximately 105.10 square miles and serves a population of 32,723 residents. This is a standard ZIP code in the Eastern (ET) timezone, served by area code 989.
About ZIP code 48640
The housing stock consists of predominantly single-family detached homes. Most homes were built in the 1970s, giving the area an established character. Median home value is $178,700. Owner-occupancy sits near the national average at 74%.
The gap between median ($76,693) and mean household income suggests income inequality — a small number of higher earners pull the average up. 35% of households receive Social Security income, suggesting a notable retiree or disability population.
The dominant occupation class is management, business, and professional, with education and healthcare as the leading industry. The average commute of 25 minutes is near the national average.
Educational attainment is near the national average, with 38% of residents holding a bachelor's degree or higher.
32,723
population
105.10
sq mi land
Standard
ZIP type
Eastern (ET)
timezone
48640 ZIP code map
Cities in ZIP code 48640
Below are the cities the US Postal Service accepts for ZIP code 48640. Using any city not on this list may result in mail delivery delays.
| City | Status |
|---|---|
| Midland | Preferred |
Nearby ZIP codes
48686 Midland (5.7 mi)
48670 Midland (5.7 mi)
48674 Midland (5.7 mi)
48667 Midland (5.7 mi)
48657 Sanford (9.8 mi)
48642 Midland (10.2 mi)
48623 Freeland (10.8 mi)
48637 Merrill (11.7 mi)
48615 Breckenridge (12.1 mi)
48626 Hemlock (13.3 mi)
48611 Auburn (13.4 mi)
48880 Saint Louis (14 mi)
Demographics
updated 05/2026
| Population | |
|---|---|
| Total population | 32,723 |
| Population density | 311 / sq mi |
| State FIPS | 26 |
| County FIPS | 111 |
| Geography | |
|---|---|
| Land area | 105.10 sq mi |
| Water area | 3.29 sq mi |
| Latitude | 43.5830 |
| Longitude | -84.3513 |
| Timezone | Eastern (ET) |
| Area code | 989 |
Total population by age
Gender
Race & ethnicity
Economics
updated 05/2026
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 40.5% | 38.7% | 42.6% |
| $50k – $100k | 31.1% | 32.0% | 31.1% |
| $100k – $200k | 20.8% | 21.8% | 20.6% |
| Over $200k | 7.7% | 7.4% | 5.7% |
Demographics & statistics
32,723
Population
311
People per sq mi
39.5
Median age
$76,693
Median household income
$41,987
Per capita income
$178,700
Median home value
$897
Median monthly rent
74.2%
Home ownership
11.2%
Poverty rate
5.4%
Unemployment
10,786
Housing units
37.6%
Bachelor's or higher
Age distribution
Male
Female
859
Under 5
886
909
5–9
937
1,005
10–14
1,037
1,257
15–19
1,296
957
20–24
986
2,153
25–34
2,220
1,977
35–44
2,039
1,992
45–54
2,053
946
55–59
976
1,108
60–64
1,143
1,565
65–74
1,613
983
75–84
1,013
400
85+
413
← Male
Female →
Age summary
| Group | Count | % |
|---|---|---|
| Under 18 | 7,105 | 21.7% |
| 18 and over | 25,618 | 78.3% |
| 65 and over | 5,987 | 18.3% |
| Median age | 39.5 years | |
Race & ethnicity
White
89.6%
Two or more races
3.5%
Hispanic or Latino
3.1%
Other race
1.5%
Black or African American
1.3%
Asian
0.9%
American Indian / Alaska Native
0.1%
| Group | Count | % |
|---|---|---|
| White | 30,252 | 89.6% |
| Two or more races | 1,194 | 3.5% |
| Hispanic or Latino | 1,037 | 3.1% |
| Other race | 492 | 1.5% |
| Black or African American | 434 | 1.3% |
| Asian | 319 | 0.9% |
| American Indian / Alaska Native | 32 | 0.1% |
Household income
| Income range | This ZIP | County avg | State avg |
|---|---|---|---|
| Under $50k | 40.5% | 38.7% | 42.6% |
| $50k – $100k | 31.1% | 32.0% | 31.1% |
| $100k – $200k | 20.8% | 21.8% | 20.6% |
| Over $200k | 7.7% | 7.4% | 5.7% |
Under $10k
5.1%
$10k–$15k
2.8%
$15k–$25k
7.3%
$25k–$35k
9.1%
$35k–$50k
11.5%
$50k–$75k
13.5%
$75k–$100k
14.6%
$100k–$150k
16.2%
$150k–$200k
8.8%
$200k+
11.2%
| Range | % of households |
|---|---|
| Under $10k | 5.1% |
| $10k–$15k | 2.8% |
| $15k–$25k | 7.3% |
| $25k–$35k | 9.1% |
| $35k–$50k | 11.5% |
| $50k–$75k | 13.5% |
| $75k–$100k | 14.6% |
| $100k–$150k | 16.2% |
| $150k–$200k | 8.8% |
| $200k+ | 11.2% |
| Median income | $76,693 |
Housing
Home values
Under $50k
4.6%
$50k–$100k
10.8%
$100k–$150k
22.0%
$150k–$200k
20.8%
$200k–$300k
25.6%
$300k–$500k
13.9%
$500k–$1M
2.0%
$1M+
0.3%
Housing overview
| Metric | Value |
|---|---|
| Median home value | $178,700 |
| Median rent / month | $897 |
| Owner occupied | 74.2% |
| Renter occupied | 25.8% |
| Vacant | 5.6% |
| Single-family detached | 72.8% |
| Large apartment buildings | 4.7% |
| Mobile homes | 4.6% |
| Median rooms | 6.1 |
| Avg household size (owned) | 2.50 |
Year built
| Era | % |
|---|---|
| 2020 or later | 0.4% |
| 2010–2019 | 4.5% |
| 2000–2009 | 6.2% |
| 1990–1999 | 14.0% |
| 1980–1989 | 10.4% |
| 1970–1979 | 19.7% |
| 1960–1969 | 15.9% |
| 1950–1959 | 12.5% |
| 1940–1949 | 5.4% |
| 1939 or earlier | 11.0% |
Bedrooms
| Size | % of units |
|---|---|
| No bedroom (studio) | 0.5% |
| 1 bedroom | 9.2% |
| 2 bedrooms | 21.6% |
| 3 bedrooms | 41.3% |
| 4 bedrooms | 21.0% |
| 5+ bedrooms | 6.5% |
Vehicles per household
| Vehicles | % of households |
|---|---|
| No vehicle | 5.4% |
| 1 vehicle | 31.2% |
| 2 vehicles | 41.8% |
| 3 or more | 21.7% |
Heating fuel
| Fuel type | % |
|---|---|
| Utility gas | 70.4% |
| Electricity | 13.9% |
| Propane / LP gas | 10.9% |
| Fuel oil | 0.5% |
| Wood | 3.6% |
Households & families
| Household type | Count | % |
|---|---|---|
| Married-couple family | 6,980 | 51.9% |
| Cohabiting couple | 1,002 | 7.5% |
| Male householder, no spouse | 1,826 | 13.6% |
| Female householder, no spouse | 3,641 | 27.1% |
| Households with children under 18 | 4,125 | 30.7% |
| Households with seniors (65+) | 4,233 | 31.5% |
| Average household size | 2.38 | |
Marital status
| Status | Male | Female |
|---|---|---|
| Never married | 30.4% | 26.7% |
| Married | 55.2% | 49.1% |
| Separated | 1.3% | 2.0% |
| Widowed | 3.1% | 9.1% |
| Divorced | 9.9% | 13.1% |
Education
Less than 9th grade
1.0%
Some HS, no diploma
3.1%
HS graduate
27.5%
Some college, no degree
18.6%
Associate's degree
12.2%
Bachelor's degree
21.9%
Graduate / professional
15.8%
| Metric | % |
|---|---|
| HS diploma or higher | 95.9% |
| Bachelor's or higher | 37.6% |
School enrollment (ages 3–17)
| Type | Count | % |
|---|---|---|
| Nursery / preschool | 359 | 4.6% |
| Kindergarten | 322 | 4.1% |
| Elementary school | 3,212 | 41.0% |
| High school | 1,806 | 23.0% |
| College / grad school | 2,138 | 27.3% |
Employment
Industry of employment
Education & healthcare
25.0%
Manufacturing
18.3%
Arts, food & hospitality
10.6%
Retail trade
10.0%
Professional & management
9.9%
Construction
6.0%
Finance & real estate
5.1%
Other services
4.7%
Transportation & utilities
4.4%
Public administration
2.7%
Information
1.6%
Wholesale trade
1.1%
Agriculture & mining
0.4%
Occupation
| Category | % |
|---|---|
| Management, business & arts | 43.3% |
| Service | 17.7% |
| Sales & office | 20.8% |
| Natural resources & construction | 6.6% |
| Production & transportation | 11.5% |
Employment type
| Type | % |
|---|---|
| Private sector | 84.4% |
| Government | 10.4% |
| Self-employed | 5.2% |
| Unpaid family workers | 0.1% |
Commute
| Method | % |
|---|---|
| Drive alone | 78.7% |
| Carpool | 7.4% |
| Public transit | 0.1% |
| Walk | 1.1% |
| Work from home | 10.9% |
| Other means | 1.8% |
| Avg commute (minutes) | 24.8 |
Poverty
All people
11.2%
Under 18 years
14.4%
18 and over
10.3%
Married-couple families
3.5%
Female-led households
28.2%
Income support
| Source | % of households |
|---|---|
| Social Security | 34.9% |
| Retirement income | 30.4% |
| Supplemental Security | 5.8% |
| Cash public assistance | 2.9% |
| Food stamps / SNAP | 12.3% |
Health indicators
| Condition | % |
|---|---|
| Obesity | 34.8% |
| High blood pressure | 31.7% |
| High cholesterol | 34.0% |
| Diabetes | 9.2% |
| Heart disease | 6.1% |
| Stroke | 2.8% |
| Asthma | 10.6% |
| Arthritis | 27.8% |
| Kidney disease | 2.7% |
| Pulmonary disease | 6.7% |
| Cancer | 6.9% |
| Behavior / access | % |
|---|---|
| Smoking | 16.6% |
| Binge drinking | 19.2% |
| No physical activity | 18.2% |
| Less than 7 hrs sleep | 30.5% |
| Depression | 20.9% |
| Fair or poor health | 12.0% |
| Poor mental health | 15.4% |
| Poor physical health | 9.6% |
| No health insurance | 8.0% |
| Visited doctor (checkup) | 73.3% |
| Visited dentist | 72.0% |
| Cholesterol screening | 91.2% |
| Teeth loss | 10.7% |
Veterans & disability
| Veterans | Count | % |
|---|---|---|
| Civilian veterans | 1,447 | 5.6% |
| Disability | % |
|---|---|
| Any disability | 15.4% |
| Under 18 | 7.9% |
| 18–64 years | 13.5% |
| 65 and over | 30.9% |
Health insurance coverage
| Type | % |
|---|---|
| Private insurance | 74.2% |
| Public insurance | 39.3% |
| No insurance | 3.9% |
| Uninsured under 19 | 4.0% |
Language & origin
Language spoken at home (age 5+)
| Language | Count | % |
|---|---|---|
| English only | 30,978 | 94.7% |
| Spanish | 172 | 0.6% |
| Other Indo-European | 47 | 0.2% |
| Asian & Pacific Islander | 21 | 0.1% |
| Other languages | 89 | 0.3% |
Place of birth & citizenship
| Origin | Count | % |
|---|---|---|
| Native born (US) | 31,946 | 97.6% |
| Born in same state | 31,798 | 97.2% |
| Born in different state | 25,159 | 76.9% |
| Foreign born | 148 | 0.5% |
| Naturalized citizen | 777 | 2.4% |
| Not a US citizen | 437 | 56.2% |
Ancestry
| Ancestry | Count | % |
|---|---|---|
| Italian | 4,405 | 13.5% |
| French | 4,386 | 13.4% |
| Arab | 1,564 | 4.8% |
| English | 877 | 2.7% |
| German | 698 | 2.1% |
| Ancestry | Count | % |
|---|---|---|
| Polish | 481 | 1.5% |
| Irish | 155 | 0.5% |
| Dutch | 100 | 0.3% |
| Norwegian | 39 | 0.1% |
Technology access
| Metric | % of households |
|---|---|
| Computer access | 41.1% |
| Internet access | 93.8% |
Source: U.S. Census Bureau, American Community Survey 2025 estimates.
Frequently asked questions about ZIP code 48640
What city is ZIP code 48640 in?
ZIP code 48640 is primarily assigned to Midland, Michigan.
What county is ZIP code 48640 in?
ZIP code 48640 falls within Midland County, Michigan.
What is the typical home value in ZIP code 48640?
The median home value in ZIP code 48640 is $178,700.
What is the population of ZIP code 48640?
ZIP code 48640 has an estimated population of 32,723 residents, with a density of 311 people per square mile.
What is the median household income in ZIP code 48640?
The median household income in ZIP code 48640 is $76,693, above the national median of ~$75,000.
What timezone is ZIP code 48640 in?
ZIP code 48640 observes the EST timezone.